HDFC Liquid Fund vs Quant Mutual Fund Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
6.83%
3Y Return
9.45%
Aaj hum do liquid fund ke beech ka tark chal rahe hain - HDFC Liquid Fund aur Quant Mutual Fund Liquid Fund. Ye dono funds investors ke liye ek achhi investment option hai, lekin kuch parameters ke beech difference hai. Is article mein hum aapko fund A aur fund B ke 3Y return, expense ratio, aur risk ke beech ka comparison karenge.
| Parameter | AHDFC Liquid Fund - Direct Plan - Growth | BQuant Mutual Fund Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | HDFC Mutual Fund | Quant Mutual Fund |
| Category | Liquid | Liquid Fund |
| NAV (₹) | 5466.12 | 22.09 |
| AUM (₹ Cr) | 7.29 Lac Cr | 4.47 Lac Cr |
| Expense Ratio (%) | 0.2% | 0.12% |
| Riskometer | Low | Low |
| Volatility | 0.11 | 0.13 |
| Sharpe Ratio | 3 | 22.69 |
| 1 Year Return (%) | 6.08% | 0.9% |
| 3 Year Return (%) | 6.83% | 9.45% |
| 5 Year Return (%) | 6.01% | 8.38% |
| Since Launch (%) | 34.46% | 12.05% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 April 2006 | 11 June 2019 |
| Exit Load | Nil | Nil |
| Fund Manager | Dhruv Muchhal; Rohan Pillai; Swapnil Jangam (3.6 years yrs) | N/A |
| Benchmark | NIFTY Liquid Index | NIFTY Liquid Index |
| Top 3 Holdings | Reserve Bank of India (5.23%), Reserve Bank of India (4.44%), Reserve Bank of India (3.79%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | CP: 47.67% | CD: 31.92% | T-Bills: 19.85% | Debenture: 2.05% | Bonds/NCD: 0.13% | Debt: 0.06% | SDL: 0.04% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 203% | 267% |
🤖 AI Verdict – Which is Better?
Our verdict, fund B (Quant Mutual Fund Liquid Fund) hai. Fund B ka 3Y return 9.45% hai, jo ki fund A (HDFC Liquid Fund) ka 3Y return 6.83% se adhik hai. Sath hi, fund B ka expense ratio 0.12% hai, jo ki fund A ka expense ratio 0.2% se kam hai. Aur riskometer ke beech, dono funds low risk hai, lekin fund B ka sharpe ratio 22.69 hai, jo ki fund A ka sharpe ratio 3 se adhik hai. Isliye, fund B aapke liye better chunav hai.
Why consider HDFC Liquid Fund?
- Expense ratio: 0.2%
- 3Y return: 6.83%
- AUM: 7.29 Lac Cr
- Sharpe Ratio: 3
Why consider Quant Mutual Fund Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 9.45%
- AUM: 4.47 Lac Cr
- Sharpe Ratio: 22.69
📈 SIP Suitability
SIP (Systematic Investment Plan) ke liye, fund B adhik suitable hai. Fund B ka 3Y return 9.45% hai, jo ki fund A ka 3Y return 6.83% se adhik hai. Sath hi, fund B ka expense ratio 0.12% hai, jo ki fund A ka expense ratio 0.2% se kam hai. Isliye, fund B aapke SIP ke liye better chunav hai.
⚠️ Risk & Cost Analysis
Riskometer ke beech, dono funds low risk hai, lekin fund B ka sharpe ratio 22.69 hai, jo ki fund A ka sharpe ratio 3 se adhik hai. Sath hi, fund B ka expense ratio 0.12% hai, jo ki fund A ka expense ratio 0.2% se kam hai. Isliye, fund B aapke liye better risk-adjusted returns deta hai.
📊 Portfolio Diversification
Asset allocation ke beech, fund B ka T-Bills 65.00% hai, jo ki fund A ka CP 47.67% se adhik hai. Sath hi, fund B ka CD 20.00% hai, jo ki fund A ka CD 31.92% se kam hai. Isliye, fund B ka portfolio adhik diversified hai.
Q1: Which fund gives better returns in the long run?
Fund B (Quant Mutual Fund Liquid Fund) aapke liye better chunav hai. Iska 5Y return 8.38% hai, jo ki fund A ka 5Y return 6.01% se adhik hai.
Q2: Is the higher risk fund worth it?
Haan, fund B worth hai. Iska sharpe ratio 22.69 hai, jo ki fund A ka sharpe ratio 3 se adhik hai. Sath hi, fund B ka expense ratio 0.12% hai, jo ki fund A ka expense ratio 0.2% se kam hai.
Q3: Which fund is more cost-effective?
Fund B (Quant Mutual Fund Liquid Fund) adhik cost-effective hai. Iska expense ratio 0.12% hai, jo ki fund A ka expense ratio 0.2% se kam hai.
SIP Calculator – Compare Growth Potential
HDFC Liquid Fund
₹862254.72
@6.8% annual return (3Y)
Quant Mutual Fund Liquid Fund
₹1000392.84
@9.4% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
Mahendra Maurya
6+ Years in Banking, Wealth Management & Financial ServicesFounder & Author of ShareTargetPrice.in. 6+ years in Banking, Wealth Management & Financial Services.
📊 Author & Founder at Share Target Price